FOA vs. ESOA

Last updated Jul 14, 2026

FOA (Finance Of America Companies Inc.) and ESOA (Energy Services Of America Corp) are both stocks. FOA operates in Credit Services (Financial Services), while ESOA operates in Engineering & Construction (Industrials). Over the past 5 years, FOA returned -17.67%/yr vs 49.79%/yr for ESOA. At a 0.09 correlation, their price movements are largely independent.

Performance

FOA vs. ESOA - Performance Comparison

The chart below illustrates the hypothetical performance of a $10,000 investment in Finance Of America Companies Inc. (FOA) and Energy Services Of America Corp (ESOA). The values are adjusted to include any dividend payments, if applicable.

Returns By Period

In the year-to-date period, FOA achieves a 4.83% return, which is significantly lower than ESOA's 101.74% return.

FOA

• 1D: -1.36%
• 1M: 25.40%
• 6M: 2.84%
• YTD: 4.83%
• 1Y: 10.64%
• 3Y*: 9.75%
• 5Y*: -17.67%
• 10Y*: —

ESOA

• 1D: -2.55%
• 1M: -1.53%
• 6M: 99.30%
• YTD: 101.74%
• 1Y: 70.72%
• 3Y*: 79.60%
• 5Y*: 49.79%
• 10Y*: 28.73%

*Multi-year figures are annualized to reflect compound growth (CAGR)

FOA vs. ESOA - Yearly Performance Comparison

	2026 (YTD)	2025	2024	2023	2022	2021	2020	2019
FOA Finance Of America Companies Inc.	4.83%	-13.90%	155.64%	-13.39%	-68.01%	-61.83%	3.69%	3.40%
ESOA Energy Services Of America Corp	101.74%	-34.42%	111.44%	140.93%	-22.02%	223.53%	32.47%	-26.84%

Correlation

The correlation between FOA and ESOA is 0.31, which is low. Their price movements are largely independent, making them effective diversification partners.

	Correlation
Correlation (1Y) Calculated over the trailing 1-year period	0.31
Correlation (3Y) Calculated over the trailing 3-year period	0.20
Correlation (5Y) Calculated over the trailing 5-year period	0.12
Correlation (All Time) Calculated using the full available price history since Apr 18, 2019	0.09

Over the past year, FOA and ESOA have become more correlated (0.31) than their long-term average of 0.09, meaning their price movements have been converging.

Fundamentals

Market Cap FOA : $225.67M ESOA : $306.21M
EPS FOA : $5.13 ESOA : $0.54
PE Ratio FOA : 4.94 ESOA : 30.15
PEG Ratio FOA : 0.04 ESOA : 0.70
PS Ratio FOA : 0.12 ESOA : 0.63
Total Revenue (TTM) FOA : $1.15B ESOA : $440.96M
Gross Profit (TTM) FOA : $623.72M ESOA : $52.66M
EBITDA (TTM) FOA : $1.78B ESOA : $27.20M

Return for Risk

FOA vs. ESOA — Risk / Return Rank

Compare risk-adjusted metric ranks to identify better-performing investments over the past 12 months.

FOA

FOA Risk / Return Rank: 51
FOA Sharpe Ratio Rank: 53
FOA Sortino Ratio Rank: 52
FOA Omega Ratio Rank: 50
FOA Calmar Ratio Rank: 52
FOA Martin Ratio Rank: 50

ESOA

ESOA Risk / Return Rank: 80
ESOA Sharpe Ratio Rank: 79
ESOA Sortino Ratio Rank: 80
ESOA Omega Ratio Rank: 78
ESOA Calmar Ratio Rank: 81
ESOA Martin Ratio Rank: 79

The rank (0–100) shows how this investment's returns compare to the risk taken. Higher = better. Based on the past 12 months of data, combining Sharpe, Sortino, and other metrics used by quantitative funds and institutional investors.

FOA vs. ESOA - Risk-Adjusted Trends Comparison

This table presents a comparison of risk-adjusted performance metrics for Finance Of America Companies Inc. (FOA) and Energy Services Of America Corp (ESOA). Risk-adjusted metrics are performance indicators that assess an investment's returns in relation to its risk, enabling a more accurate comparison of different investment options.

Values are calculated on a 1-year rolling basis and updated daily. Risk-adjusted metrics are more stable over longer periods — use the period switch above to explore them.

	FOA	ESOA	Difference
Sharpe ratio: Return per unit of total volatility	0.21	1.13	-0.92
Sortino ratio: Return per unit of downside risk	0.71	2.02	-1.31
Omega ratio: Gain probability vs. loss probability	1.08	1.24	-0.16
Calmar ratio: Return relative to maximum drawdown	0.24	2.28	-2.04
Martin ratio: Return relative to average drawdown	0.43	4.88	-4.45

FOA vs. ESOA - Sharpe Ratio Comparison

The current FOA Sharpe Ratio is 0.21, which is lower than the ESOA Sharpe Ratio of 1.13. The chart below compares the historical Sharpe Ratios of FOA and ESOA, calculated using daily returns over the previous 12 months. A higher Sharpe Ratio indicates better risk-adjusted performance relative to the risk-free rate.

Drawdowns

FOA vs. ESOA - Drawdown Comparison

The maximum FOA drawdown since its inception was -96.13%, which is greater than ESOA's maximum drawdown of -76.67%. Use the drawdown chart below to compare losses from any high point for FOA and ESOA.

Drawdown Indicators

	FOA	ESOA	Difference
Max Drawdown Largest peak-to-trough decline	-96.13%	-76.67%	-19.46%
Max Drawdown (1Y) Largest decline over 1 year	-45.07%	-31.16%	-13.91%
Max Drawdown (3Y) Largest decline over 3 years	-77.72%	-57.43%	-20.29%
Max Drawdown (5Y) Largest decline over 5 years	-93.43%	-57.43%	-36.00%
Max Drawdown (10Y) Largest decline over 10 years	—	-69.62%	—
Current Drawdown Current decline from peak	-78.16%	-15.15%	-63.01%
Average Drawdown Average peak-to-trough decline	-57.70%	-32.89%	-24.81%
Ulcer Index Depth and duration of drawdowns from previous peaks	24.83%	14.53%	+10.30%

Volatility

FOA vs. ESOA - Volatility Comparison

Finance Of America Companies Inc. (FOA) has a higher volatility of 18.22% compared to Energy Services Of America Corp (ESOA) at 15.40%. This indicates that FOA's price experiences larger fluctuations and is considered to be riskier than ESOA based on this measure. The chart below showcases a comparison of their rolling one-month volatility.

Volatility by Period

	FOA	ESOA	Difference
Volatility (1M) Calculated over the trailing 1-month period	18.22%	15.40%	+2.82%
Volatility (6M) Calculated over the trailing 6-month period	36.59%	48.65%	-12.06%
Volatility (1Y) Calculated over the trailing 1-year period	50.05%	63.03%	-12.98%
Volatility (5Y) Calculated over the trailing 5-year period, annualized	76.88%	75.94%	+0.94%
Volatility (10Y) Calculated over the trailing 10-year period, annualized	65.45%	96.09%	-30.64%

Dividends

FOA vs. ESOA - Dividend Comparison

FOA has not paid dividends to shareholders, while ESOA's dividend yield for the trailing twelve months is around 0.79%.

Position	TTM	2025	2024	2023	2022	2021	2020	2019	2018	2017
ESOA Energy Services Of America Corp	0.79%	1.47%	0.24%	1.84%	0.00%	0.00%	0.00%	6.49%	0.00%	5.88%
FOA Finance Of America Companies Inc.	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%

Financials

Frequently Asked Questions

Can I hold both FOA and ESOA in my portfolio?

FOA and ESOA have a correlation of 0.31, meaning they provide meaningful diversification benefit when combined. Depending on your allocation goals, holding both could reduce overall portfolio risk.

Which is riskier, FOA or ESOA?

FOA has higher volatility (18.22%) compared to ESOA (15.40%). In terms of maximum drawdown, FOA dropped -96.13% vs ESOA's -76.67%.

Which has better risk-adjusted returns?

ESOA currently has the higher Sharpe Ratio (1.13 vs 0.21), meaning it's delivered slightly more return per unit of risk over the trailing 12 months. However, this ranking shifts over time - use the Risk/Return Score above for a more comprehensive view that combines Sharpe, Sortino, and other measures used by quantitative funds.